About the Role:

Apollo is seeking an experienced and analytically driven professional to lead the customer management and cross sell strategy of our credit and financing products for small scale farmers. The Credit Manager, Customer Management is accountable for improving the profitability of the portfolio by increasing repeat usage, renewal rate and average ticket sizes while managing credit risk. As we expand as a business, the manager will also be accountable for growing the credit organization within the company and be able to manage and retain top talent.

Your Day to Day:

• Customer Management Policy: Maximize portfolio profitability and size by optimizing renewal and cross-sell eligibility policy, and product terms (line, price etc.) 
• Customer Retention: Improve processes and products to maximize customer retention and renewal
• Develop Cross Sell Products: Develop customer relevant credit products enabling customers to engage with Apollo throughout the year
• Fraud and Loss Reduction: Develop and implement strategies to substantially reduce fraud loss and credit loss within the portfolio
• Monitoring and Control: Develop and maintain a monitoring framework for portfolio performance by developing and tracking relevant metrics within proposed control limits. Ensure intent meets execution by developing and maintaining an implementation monitoring and control framework. 
• User Research: Identify and execute user research through in-person visits and surveys for target consumers (farmers) to inform the policy design
• Cross Functional Collaboration: Work with our collections, acquisition, product, logistics & distribution, sales, and customer support teams to ensure that all systems support smooth implementation and launch of strategies
• Team Development: Develop the credit team by identifying, recruiting and retaining great talent and be accountable for the team’s and team member’s growth and development. 
• Learning agenda and experiments: Drive the credit risk learning agenda by ensuring relevant design of experiments and control of experimentation risk and budget. 

You:

•  
• Are a data-driven problem solver with experience in using data science and AI to underwrite consumers and make business decisions to optimize profit
• Are proficient with SQL and have experience in using data analysis tools (Python, R or SAS), segmentation tools and decision trees to build strategies
• Are a professional with advanced knowledge of credit and risk management with 8-15 years of relevant experience:
• Must have experiencein managing a consumer lending portfolio and credit risk for underserved or low-income consumers
• Must have experience in developing or optimizing credit products (credit cards, line of credit, personal loans etc.) for retail consumers
• Experience in loss forecasting and developing PD, LGD and EAD models for provisioning is a plus
• Possess exceptional skillleading, developing, and managing high performing teams, with a minimum of 3 years of leadership/managerial experience
• Are an exceptional communicator with the ability to communicate complex information and analytical strategy effectively and efficiently      
• Are an exceptional leaderthat can influence without authority
• Have a graduate degree in courses requiring and developing analytical problem solving and mathematical ability (e.g., engineering, statistics, mathematics, economics etc.)

About the Role:

Apollo is seeking an experienced and analytically driven professional to lead loss forecasting and collection strategy for our credit portfolio designed for small scale farmers. The Credit Manager is accountable to improve profitability by optimizing our loan loss provisioning and improving our collections and repayments processes. As we expand as a business, the manager will also be accountable for growing the credit organization within the company and be able to manage and retain top talent.

Your Day to Day:

• Loss Forecasting and Provisioning: Develop loan loss provisioning strategy based on expected credit losses and update provisioning requirements for the credit portfolio at required cadence 
• Repayment and Collection Strategy: Optimize the repayments and collection strategy to maximize collection efficiency while ensuring good customer experience
• Hardship strategy: Develop and implement strategies to effectively help customers handle hardships while minimizing losses for the company 
• Monitoring and Control: Develop and maintain a monitoring framework portfolio performance by developing and tracking relevant metrics within proposed control limits. Ensure intent meets execution by developing and maintaining an implementation monitoring and control framework. 
• User Research: Identify and execute user research through in-person visits and surveys for target consumers (farmers) to inform the policy design
• Cross Functional Collaboration: Work with our collections, acquisition, product, logistics & distribution, sales, and customer support teams to ensure that all systems support smooth implementation and launch of strategies
• Team Development: Develop the credit team by identifying, recruiting, and retaining great talent and be accountable for the team’s and team member’s growth and development. 
• Learning agenda and experiments: Drive the credit risk learning agenda by ensuring relevant design of experiments and control of experimentation risk and budget. 

You:

• Are a data-driven problem solver with experience in using data science and AI to underwrite consumers and make business decisions to optimize profit
• Are proficient with SQL and have experience in using data analysis tools (Python, R or SAS), segmentation tools and decision trees to build strategies
• Are a professional with advanced knowledge of credit and risk management with 8-15 years of relevant experience:
• Must have experience in loss forecasting and developing PD, LGD and EAD models for provisioning
• Must have experience in developing and optimizing collections and recovery strategies for a small ticket consumer loans including experience in developing strategies/processes for hardships, settlements, loan restructuring and legal recovery
• Must have experiencein managing a consumer lending portfolio and credit risk, preferably for underserved consumers in developing economies
• Possess exceptional skillleading, developing, and managing high performing teams, with a minimum of 3 years of leadership/managerial experience
• Are an exceptional communicator with the ability to communicate complex information and analytical strategy effectively and efficiently      
• Are an exceptional leader that can influence without authority
• Have a graduate degree in courses requiring and developing analytical problem solving and mathematical ability (e.g., engineering, statistics, mathematics, economics etc.)

About the Role:

Apollo is seeking an experienced and analytically driven professional to lead the acquisition credit and fraud risk strategy for financing agricultural inputs and advice for our end consumers (farmers). The Associate is accountable for improving the profitability and scale of our products while managing credit and fraud risk by optimizing the credit product terms and acquisition policy.

Your Day to Day:

• Application Fraud Risk-mitigation Strategy Design and Optimization: Own and maintain data-driven strategies to mitigate fraud risk at the application stage, while balancing customer experience and business value.
• Acquisition Credit Policy Development and Optimization: Own and maintain the credit approval process to maximize profitability while being within risk appetite
• Credit Product Strategy and Optimization: Own the optimization of credit product terms (e.g. APR, Deposit, Tenure, Exposure), structure and user experience to maximize profit and product usage.
• Monitoring and Control: Develop and maintain a monitoring framework for through-the-door distributions and acquisition performance by developing and tracking relevant metrics within proposed control limits. Ensure intent meets execution by developing and maintaining an implementation monitoring and control framework. 
• User Research: Identify and execute user research through in-person visits and surveys for target consumers (farmers) to inform the product and acquisition policy design
• Cross Functional Collaboration: Work with our collections, customer management, product, logistics & distribution, sales, and customer support teams to ensure that all systems support smooth product implementation and launch
• Learning agenda and experiments: Drive the credit risk learning agenda by ensuring relevant design of experiments and control of experimentation risk and budget.  

You:

• Are a professional with advanced knowledge of credit and risk management with 4 to 10 years of relevant experience. This includes:
• Experience in managing a consumer lending portfolio and credit risk or fraud risk, preferably for underserved consumers in developing economies
• Experience in developing or optimizing credit products (credit cards, line of credit, personal loans etc.) for retail consumers
• Are a data-driven problem solver with proficiency in SQL, Python, MS Office, and experience in using segmentation tools and decision trees to build strategies
• Are an exceptional communicator with the ability to communicate complex information and analytical strategy effectively and efficiently      
• Are an exceptional leader that can influence without authority
• Have a graduate degree in courses requiring and developing analytical problem solving and mathematical ability (e.g. engineering, statistics, mathematics, economics etc.)